A Conditional Sale car finance agreement is very similar to a Hire Purchase agreement, except that you automatically own the car once you have made all of your repayments. This means as soon as you sign the contract you are the owner of your new car!

You can either put down a deposit or offer your current car as a part-exchange, and once the finance company have paid the dealership, you will be ready to collect your car.

Benefits of a Conditional Sale car finance agreement:

✓ Monthly repayments are usually smaller

✓ Can benefit from a smaller initial deposit

✓ Repayments are fixed at the same amount for the whole term

✓ No Option to Purchase fee at the end of the term 

How do I apply for car finance?

form icon Fill out our quick and easy online application form.

thumbs up icon Once you’ve been accepted with one of our lenders, you are free to choose a car.

Car Icon Agree to the terms of your finance agreement; once you’ve signed your documents you’re free to drive away!

Let us find you the best finance deal

Why choose Refused Car Finance?


✓ We charge no customer fees

✓ We approve 98.4% of applicants!

Quick online application

No deposit plans available

Good credit, bad credit or no credit history all welcome!

Hand giving car keys in front of red car
View our fantastic range of cars from a selection of dealers that we work with across the country. 
Refused Car Finance Reviews

4.88 Average

186 Reviews

Brilliant people to deal with and quick turnaround. I applied on the Monday had my dream car by Friday as quick as that. Went up by train to collect the car they met me outside the train station as soon as I got there. Car was as mint if not better than on pics. I asked for something specific and they got me exactly what they wanted for my budget. Trust in these people and they will help you out.

I have to say, it's been an amazing experience with dealing with Refused Car Finance. The whole team has done so well through the whole process and even gone the extra mile to address things for me that weren't necessary. Thank you to Jacob, Isaac & Richard and everyone else for all your hard work.

Amazing service from Dan and Ross. Nothing was a problem. Brilliant customer service